What is the Credit Bureau of Owen Sound?
The Credit Bureau of Owen Sound is a debt collection agency that works with businesses to recover unpaid amounts.
They've been around since 1951 and are based in Owen Sound, helping companies throughout Grey and Bruce counties and the rest of South Western Ontario.
Along with their collection services, they also have in-house paralegals who can help if a case needs to go to court.
Contact Credit Bureau of Owen Sound
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is the Credit Bureau of Owen Sound calling me?
If the Credit Bureau of Owen Sound has called you, it's likely because they're trying to collect a debt for another company or organization.
Credit Bureau of Owen Sound collects for:
- Telecommunications companies (phone, internet, cable)
- Banks and financial institutions
- Government agencies
- Healthcare providers and hospitals
- Utilities (hydro, gas, water)
- Education and student loans
- Commercial businesses
- Credit card companies
Know a company Credit Bureau of Owen Sound collects for?
Credit Bureau of Owen Sound phone numbers
These numbers are commonly associated with Credit Bureau of Owen Sound:
| Phone number | Type |
|---|---|
| Main |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Credit Bureau of Owen Sound, verify the debt in writing and confirm the details before paying.
Is Credit Bureau of Owen Sound a legitimate collection agency?
Yes, the company has been in business since 1951 and offers both collection and paralegal services from its office in Owen Sound.
In Ontario, collection agencies must be registered with the provincial ministry under the Collection and Debt Settlement Services Act.
Is Credit Bureau of Owen Sound a licensed collection agency in Ontario?
Credit Bureau Of Owen Sound Ltd. is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Credit Bureau Of Owen Sound Ltd. | Owen Sound, ON | 1950761 | Issued | Mar 6, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
What to do if Credit Bureau of Owen Sound calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your own records. Pull your credit report from Equifax or TransUnion and compare it to what Credit Bureau of Owen Sound sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like Credit Bureau of Owen Sound typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
What if the debt is old?
Every province has a time limit on how long a collection agency like Credit Bureau of Owen Sound can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Credit Bureau of Owen Sound can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop Credit Bureau of Owen Sound from calling
If you want phone calls to stop, send Credit Bureau of Owen Sound a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about Credit Bureau of Owen Sound
If Credit Bureau of Owen Sound doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
Accreditations
Credit Bureau of Owen Sound locations
Locations that Credit Bureau of Owen Sound operate in:
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Credit Bureau of Owen Sound Ltd.
Also known as
Owen Sound Credit Bureau
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Joe launched CollectionAgencies.ca in 2025. He maintains the directory, researches collection agencies across Canada, and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.